Mutual funds

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Offline vir

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Mutual funds

  • on: October 27, 2011, 02:55:35 PM
aware ba kau sa mutual funds, would you consider investing your money into this?

let me know your thoughts..

or sino yung may mga investment na dito? can you tell more about it?

thanks in advance!




Offline pong

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Re: Mutual funds

  • on: October 27, 2011, 03:17:29 PM
nope. not now. sabog ang stock market eh. kung maliit lang ang puhunan, doon ka sa government funds. in the long run, maganda ang movement ng mutual funds, unless, malaki ang capital inflow mo.

Offline vir

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Re: Mutual funds

  • on: October 27, 2011, 03:44:07 PM
ah ganun ba?..pano yung sa government funds, bale ano yung difference?

Offline pong

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Re: Mutual funds

  • on: October 27, 2011, 04:11:28 PM
siyempre, dahil gobyerno: risk-free. at dahil si noynoy presidente, nagkaroon na ng risk wahaha!!!

kidding aside, sa mutual funds kasi, ida-diversify yung pera mo into different interest-yielding securities mapa-money market, stocks, hedges, etc. kaya lang hindi ka sigurado sa pera mo. meaning, bahala yung broker mo kung saan ilalagay ang pera mo. magbabayad ka pa ng annual fee. hehe

pag government funds, wala ka masyado babayaran, sure ka pa.

Offline vir

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Re: Mutual funds

  • on: October 27, 2011, 07:51:56 PM
wow impressive!..yun nga din takot ko sa mutual funds,it's either lumaki ng husto ang pera ko or mawala ng tuluyan..napaka risky talaga kaya pinagiisipan ko mabuti..

now my question is, pano ako magiinvest sa government funds,san ako magsisimula?sino kokontakin ko?..hehehe..dami tanong..

by the way, may investment ka ba sa government funds?


Offline pong

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Re: Mutual funds

  • on: October 27, 2011, 10:08:39 PM
wow impressive!..yun nga din takot ko sa mutual funds,it's either lumaki ng husto ang pera ko or mawala ng tuluyan..napaka risky talaga kaya pinagiisipan ko mabuti..

now my question is, pano ako magiinvest sa government funds,san ako magsisimula?sino kokontakin ko?..hehehe..dami tanong..

by the way, may investment ka ba sa government funds?

basa ka ng diyaryo sa business section. pag nag-auction ang bureau of treasury ng government bonds, ayun. sunggaban mo na. kaya lang. may advantage pag depositor ka ng bangko na authorized depository agent ng BOT. kasi pag hindi, hala, maraming mas mapera ang bibili ng gov't bonds.

multiples of P5,000 ang bonds so ok na yun. kung may 10k ka, bilhan mo na.

meron akong Treasury Bills eh :)  ayoko ng stocks. one time, nag-IPO ang cebu pacific. P125 ang price. P77 na lang yata ngayon. lugi :(

Offline vir

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Re: Mutual funds

  • on: October 28, 2011, 02:37:03 PM
thanks a lot for the info pareng pong!..alam ko na gagawin ko, may nakausap akong taga sunlife kahapon..tatandaan ko mga advice mo..

Offline pong

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Re: Mutual funds

  • on: October 28, 2011, 03:20:40 PM
thanks a lot for the info pareng pong!..alam ko na gagawin ko, may nakausap akong taga sunlife kahapon..tatandaan ko mga advice mo..

sure thing! makati boy ka ano?

Offline vir

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Re: Mutual funds

  • on: October 28, 2011, 03:49:59 PM
thanks a lot for the info pareng pong!..alam ko na gagawin ko, may nakausap akong taga sunlife kahapon..tatandaan ko mga advice mo..

sure thing! makati boy ka ano?

oo..pakalat kalat lng ako dito makati..hehe..

Offline geo

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Re: Mutual funds

  • on: January 11, 2012, 11:17:52 AM
i just want to add na ok ang government bonds. Sureball na may balik ang investments mo kasi its government. Since its a risk-free investment the rate is very low. Remember from finance 101 "the higher the risk, the higher the return. the lower the risk, the lower the return." Although mutual funds are A-okay to invest, hindi rin naman ganun kataas ang return on capital.

Offline enzoafterdark

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Re: Mutual funds

  • on: January 11, 2012, 03:49:40 PM
hmm amazing guys so now i know

may nagtanong din saken na taga sunlife sabi ko lang il think about it hehehe

pero seriously now im beginning to understand how to practically manage your money. the other day kasi some financial manager told me na if you want make use of your stagnant money invest in mutual fund but hesitant ako i just have one question though pano ko malalaman na authorized depositry yun bank?

Offline geo

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Re: Mutual funds

  • on: January 11, 2012, 04:25:12 PM
The main reason na konti lang ang yumayaman dito sa pilipinas is bec yung orientation nating mga pinoys. Parati sinasabi ng magulang natin na mag-aral ng mabuti para makakuha ka ng magandang trabaho. Hindi naman ikaw ang yumayaman. Yung boss mo ang yumayaman. Chinese culture dictates that you should be your own boss.

Another thing, majority of filipinos they only know one kind of investment and that is putting it in the bank. Walang yumayaman sa kakarampot na interest sa bank.

Offline pong

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Re: Mutual funds

  • on: January 11, 2012, 05:13:24 PM
^good observation, geo, and welcome to the club!


mmm... isa pang magandang observation ay ganito. pag pinoy ang nalugi, mag-isa siyang malulugi. at pag nalugi, ayaw na niyang mamuhunan. at mahilig tayo sa biglang balik. sa english, immediate return. kaya naman patok ang sari-sari store. isang bagay na rin na hindi talaga tayo pinagpala sa simpleng math. minsan nao-overlook ng mga pinoy ang mga expenses kesa sa income.

ang mga chinese, bukod sa magaling mag-cost analysis at forecast, iba ang samahan nila. kaya nga sila may chamber of commerce. pag nalugi ang isang negosyo, asahan mong may magpapahiram sa kanila ng puhunan. kaya kung mapapansin, lumalago ang negosyo dahil nagtutulungan sila sa isa't-isa. at wala sa culture nila ang manakbo ng utang, or gumastos nang walang kawawaan.


Offline geo

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Re: Mutual funds

  • on: January 11, 2012, 05:24:56 PM
thanks pong.

tama ka. When it comes to business orientation, iba tlaga sa chinese. Takot sa risks ang mga pinoy. Although medyo shaky pa mag invest ngaun, pero those who take the risks now sila yung biglang yaman naman kapag nakabawi ang world market.

Offline pong

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Re: Mutual funds

  • on: January 11, 2012, 09:31:17 PM
hindi pa maganda mag-invest ngayon. mmm... 4,600+ ang PHISIX eh, highest level kanina. magulo pa ang europe at pag nanalo si obama sa 2012 elections chances are, shaky rin ang stock market.

best bet for now: currency market.